明确案例中借贷合同上第三方的签名行为不应认定为免责的债务承担、第三人代为履行和保证，应认定为债务加入。
That signature behavior of a third party in the loan contract should not be identified to assume the debts of the exemption , the third party to perform and guarantee should be recognized for the debt to join .
免责债务承担